:root{--ink:#10233f;--muted:#52627a;--blue:#0d3e73;--blue2:#1463a5;--gold:#b8892f;--pale:#edf4fa;--line:#d8e2ec;--white:#fff;--shadow:0 18px 50px rgba(16,35,63,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#f7f9fc;font-family:Inter,"Noto Sans SC","Microsoft YaHei",Arial,sans-serif;font-size:16px;line-height:1.7}a{color:inherit}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.topbar{background:var(--ink);color:#dce8f3;font-size:.875rem}.topbar .wrap{display:flex;justify-content:space-between;padding:7px 0}.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{min-height:76px;display:flex;align-items:center;gap:28px}.brand{text-decoration:none;display:flex;align-items:center;gap:12px}.mark{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;color:#fff;background:linear-gradient(145deg,var(--blue),var(--blue2));font:800 18px Georgia}.brand strong{display:block;font-size:1.08rem}.brand small{display:block;color:var(--muted);font-size:.73rem;letter-spacing:.04em}.links{margin-left:auto;display:flex;align-items:center;gap:24px}.links a{text-decoration:none;font-weight:650;font-size:.94rem}.links a:hover{color:var(--blue2)}.lang,.button{border-radius:9px;padding:10px 15px}.lang{border:1px solid var(--line)}.button{display:inline-flex;align-items:center;justify-content:center;border:0;background:var(--blue);color:#fff;text-decoration:none;font-weight:750;box-shadow:0 8px 24px rgba(13,62,115,.18)}.button:hover{background:var(--blue2)}.button.alt{background:#fff;color:var(--blue);border:1px solid var(--blue)}.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,#f7fbff 0%,#e7f0f8 100%);border-bottom:1px solid var(--line)}.hero:after{content:"";position:absolute;width:520px;height:520px;border:100px solid rgba(20,99,165,.06);border-radius:50%;right:-170px;top:-210px}.hero-grid{position:relative;z-index:1;min-height:610px;display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:center}.eyebrow{color:var(--blue2);text-transform:uppercase;font-weight:800;letter-spacing:.12em;font-size:.78rem}.hero h1{font-size:clamp(2.5rem,5.4vw,4.8rem);line-height:1.08;letter-spacing:-.04em;margin:14px 0 24px;max-width:800px}.hero h1 em{color:var(--blue2);font-style:normal}.lead{font-size:1.15rem;color:var(--muted);max-width:680px}.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}.trust div{background:#fff;padding:25px 18px}.trust strong{display:block;color:var(--blue);font-size:1.1rem}.trust span{color:var(--muted);font-size:.84rem}.panel{background:var(--ink);color:#fff;border-radius:24px;padding:34px;box-shadow:var(--shadow)}.panel h2{margin:0 0 12px;font-size:1.55rem}.panel p{color:#c5d5e5}.checklist{list-style:none;padding:0;margin:24px 0}.checklist li{padding:10px 0 10px 30px;position:relative;border-bottom:1px solid rgba(255,255,255,.12)}.checklist li:before{content:"✓";position:absolute;left:0;color:#f0c66f;font-weight:900}.section{padding:90px 0}.section.white{background:#fff}.head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:38px}.head h2,.article h1{font-size:clamp(2rem,4vw,3.1rem);line-height:1.16;letter-spacing:-.025em;margin:8px 0}.head p{max-width:600px;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 10px 30px rgba(16,35,63,.045)}.card .num{font:700 1rem Georgia;color:var(--gold)}.card h3{font-size:1.28rem;margin:8px 0}.card p{color:var(--muted);margin:0}.card a{display:inline-block;margin-top:16px;color:var(--blue2);font-weight:750;text-decoration:none}.steps{counter-reset:step}.step{position:relative;padding-left:72px;min-height:64px}.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:48px;height:48px;display:grid;place-items:center;border-radius:50%;background:var(--pale);color:var(--blue);font-weight:900}.step h3{margin:0}.step p{color:var(--muted)}.band{background:linear-gradient(130deg,var(--blue),var(--ink));color:#fff;border-radius:24px;padding:54px;display:flex;align-items:center;justify-content:space-between;gap:40px}.band h2{font-size:clamp(1.8rem,4vw,2.8rem);margin:0}.band p{color:#d1dfeb;margin:8px 0 0}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:12px 0;padding:18px 22px}.faq summary{cursor:pointer;font-weight:800}.faq p{color:var(--muted)}.article{max-width:860px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(28px,6vw,64px);box-shadow:var(--shadow)}.article h2{margin-top:40px;font-size:1.65rem}.article h3{margin-top:28px}.article p,.article li{color:#344860}.crumb{font-size:.88rem;color:var(--muted);margin-bottom:25px}.note{background:var(--pale);border-left:4px solid var(--blue2);padding:16px 20px;border-radius:8px}.source{font-size:.9rem}.footer{background:#0b1b30;color:#cad7e3;padding:55px 0 28px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:50px}.footer h3{color:#fff}.footer a{color:#cad7e3;text-decoration:none}.legal{border-top:1px solid #263a52;margin-top:35px;padding-top:22px;font-size:.82rem;color:#95a7ba}.mobile{display:none}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:99}
@media(max-width:850px){.wrap{width:min(100% - 28px,1160px)}.topbar{display:none}.nav{min-height:66px}.links a:not(.lang):not(.button){display:none}.links{gap:8px}.brand small{display:none}.hero-grid{grid-template-columns:1fr;min-height:auto;padding:72px 0}.hero-grid>.panel{display:none}.hero h1{font-size:2.65rem}.trust{grid-template-columns:1fr;margin-top:38px}.grid{grid-template-columns:1fr}.section{padding:64px 0}.head,.band{align-items:start;flex-direction:column}.band{padding:34px}.footer-grid{grid-template-columns:1fr}.mobile{display:inline-flex}}